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Take the next step in your home buying journey

Pre-qualify for a home loan in just minutes, with no paperwork and no credit checks.

Pre-qualify for a home loan today

Our pre-qualification tool is more than just a calculator, giving you a personalised understanding of your borrowing position. Because we don't need any paperwork and we don't complete a credit check this doesn't end up on your credit report, and isn't a pre-approval.

Get more confidence

Not 100% sure you're ready to apply? Pre-qualifying can give you an understanding of how much you could borrow in the area you're looking to buy.

Understand the costs

We'll provide an estimate of your borrowing costs. Including stamp duty, lenders mortgage insurance (LMI), and any first home buyer incentives available in your state.

Receive personalised guidance

You'll get a personalised home lending summary delivered straight to your inbox. We'll also give you a follow up call to answer any questions and guide you through your next steps.

Am I eligible?

To pre-qualify you must be:

  • 18 years old or over
  • Seeking a loan for personal use and not for business or commercial purposes
  • Employed and/or have a regular income source (at least one borrower for a joint loan)
  • Looking to borrow less than $2.5 million

If you are looking to borrow more than $2.5 million to purchase a property, you will need to call us on 1300 738 831

 

What will I need?

This isn't a pre-approval, so you don't need to provide any paperwork and we won't do a credit check.

To give you a real estimate of your eligibility and any borrowing costs we will need some general details about you and the property including:

  • Your name and contact details
  • Your income, expenses and liabilities
  • Details of the property you've found, or;
  • The type of property you hope to buy.

What does pre-qualifying involve?

It's a quick-and-easy process to allow you to better understand your lending position, prior to applying for a home loan.

In only a few minutes, we'll estimate your borrowing costs, including stamp duty, lenders mortgage insurance (LMI) and any applicable first home buyer incentives for each State. You may also be eligible for the First Home Loan Deposit Scheme initiative.

Please note, if you are self-employed or there are more than two borrowers, please call us on 1300 236 344.

Not the right tool, right now?

Buying a home is a big step. Depending on where you are in your current home buying journey you might need a different kind of support.
I'm not quite ready...

You're just after a general idea of repayments or the amount you could borrow before you start looking at properties.

Try one (or all) of our home loan calculators instead.

I'm ready to apply!

You've crunched all the numbers, found a property, and you're ready to buy.

Speak with one of our lending specialists at a time and place that suits you.

Woah! I'm only just getting started.

There's a lot of information out there and you're wondering where to even start...

Try exploring our home loan glossary to understand key terms, or visit our first home page for steps on where to start.

Bendigo Bank
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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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